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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,575 | $62,586-9.6% | $76,766-26.3% | $64,181-11.9% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -5.70% | -1.95%-3.8pp | 2.43%-8.1pp | 7.63%-13.3pp |
| Employer contribution / active EE | $6,061 | $1,832+230.8% | $2,485+143.9% | $2,381+154.6% |
| Participant deferral / active EE | $1,798 | $3,145-42.8% | $3,851-53.3% | $3,470-48.2% |
| Admin fee / account holder | $444 | $4,667-90.5% | $6,675-93.3% | $4,887-90.9% |